상법 제4편(보험법) 개정의견

• 영문명: A Proposal for the Revision of Chapter Ⅳ(Insurance Contract Law) Korean Commercial Code
• 발행기관: 원광대학교 법학연구소
• 저자명: 張敬煥(Chang, Kyung-Hwan)
• 간행물 정보: 『법학연구』제21집 제2호, 173~215쪽, 전체 43쪽
• 주제분류: 법학 > 법학
• 파일형태: PDF
• 발행일자: 2005.12.31

영문 초록

In my view, first of all, the following revision of Chapter Ⅳ(Insurance Contract Law) Korean Commercial Code is needed. 1. §638-2 ② should be modified to stipulate that policy conditions may apply to insurance contract, unless the insured cancels the contract within one month from the date of receipt of a policy, although insurer did not complete the duty to deliver and explain the policy conditions. 2. In §650 ② the forfeiture clause should be inserted, which forfeits insurance contract unless the premium installments subsequent to the first one were paid during the days of grace. 3. §655 should be modified to stipulate that insurer may avoid insurance contract although he should pay insurance money, when the insurance occurrence was not caused by the non-disclosed material facts. 4. §680 ① should be modified to stipulate that the insured may recover the loss and the sue and labour charges to the extent of the sum insured. He may only recover the loss and the sue and labour charges that exceed the sum insured when he acted under the insurer’s directions. 5. In §732-2 the exception clause should be inserted, which excepts from the personal accident insurance coverages the loss occurring while the insured is doing such felonies as drunken or unlicensed driving. Or §739 should be modified to stipulate to the same effect. 6. §735-3 ③ should be modified to stipulate that the express regulation of group arrangement or the employee’s written consent is required when the employer(policyholder) will name any other person than the employee (insured) as beneficiary in group life or accident insurance.

목차

Ⅰ. 머리말

Ⅱ. 보험약관 교부ㆍ설명의무 위반효과의 구체화

Ⅲ. 실효약관의 명문화

Ⅳ. 보험사고와 인과관계가 없는 고지의무의 위반 등에 대한 계약혜지권의 명확화

Ⅴ. 손해방지비용의 부담범위의 명확화

Ⅵ. 상해보험에서의 무면허ㆍ음주운전 면책규정의 신설

Ⅶ. 단체보험에서의 보험수익자의 지정에 대한 피보험자의 동의규정의 신설

參考文獻

〈ABSTRACT〉

키워드

상법 제4편 개정 보험계약법 보험법 보험약관 교부ㆍ설명의무 실효약관 인과관계 고지의무 손해방지비용 손해방지의무 상해보험 무면허ㆍ음주운전 면책약관 단체보험 보험수익자 Chapter Ⅳ of Korean Commercial Code Revision Insurance Contract Law Insurance Law Duty to Deliver and Explain Policy Conditions Forfeiture Clause Causation Duty of Disclosure Sue and Labour Charges Duty to Sue and Labour Personal Accident Insurance Exception Clause of Unlicensed or Drunken Driving Group Insurance Beneficiary